Industry Partners

Single-family homes are the most common property type in Florida, but each comes with unique risk factors, particularly related to hurricanes, windstorms, and hail. Policies often consider the home’s roof age, construction materials, and location in relation to flood zones. We guide buyers through choosing the right hurricane deductible, verifying roof documentation, and meeting lender requirements to ensure the home is fully protected.

Coverage for a townhome can vary depending on whether a condo association exists. Some townhomes are part of an association, which may cover portions of the building’s structure, while others require the owner’s policy to cover the entire dwelling. Knowing the responsibilities for each property type is crucial for meeting lender standards and avoiding coverage gaps. Our team provides guidance so buyers and realtors can secure the appropriate insurance for every townhome.

Condo insurance is designed to complement the association’s master policy. While the association typically covers the building’s structure and common areas, the owner’s policy focuses on personal property, liability, and any improvements or upgrades inside the unit. Understanding the association’s coverage and how it aligns with personal insurance is essential for meeting lender requirements and ensuring full protection. We help buyers and realtors navigate these details to select the right policy for each condo.

Florida homes built over 30 years ago often face additional underwriting considerations. Older roofs, outdated electrical or plumbing systems, and unique construction materials can affect eligibility and pricing. Many carriers require a 4-point inspection or supplemental documentation. We help buyers understand inspection results, work with carriers experienced in older properties, and select policies that address both the home’s age and Florida’s weather-related risks.

Newly built homes require specialized coverage considerations. Builders’ warranties, temporary occupancy, and construction materials can all impact insurance eligibility and cost. We help buyers and lenders ensure policies cover potential construction defects, windstorm protection, and property replacement needs while adhering to lender and local regulatory requirements.

Rental and vacation homes have distinct insurance needs compared to primary residences. Policies often include higher liability limits, coverage for short- or long-term tenants, and protection against property damage or loss of rental income. We guide buyers through carrier options that satisfy lender standards and offer appropriate coverage for long-term rental or seasonal use.

Second homes and coastal properties are more exposed to hurricane, wind, and flood risks. Policies may require higher deductibles, additional windstorm coverage, or flood insurance depending on location. We help buyers assess risk, understand coverage options, and ensure compliance with lender requirements so these properties are adequately protected year-round.

Manufactured and modular homes require specialized coverage because of their construction type and potential susceptibility to wind and hail damage. Policies often consider the foundation type, age of the home, and compliance with state building codes. We help buyers and lenders ensure these properties are fully insured, understand any carrier limitations, and maintain coverage that meets Florida lender requirements.

During the building or renovation process, a property requires specialized coverage to protect the structure, materials, and labor on site. Builder’s risk insurance is commonly used to safeguard against fire, wind, theft, vandalism, and damage to temporary structures or equipment. In Florida, additional considerations include hurricane exposure and adherence to local building codes. We help buyers, builders, and lenders understand coverage requirements, coordinate temporary insurance during construction, and ensure policies meet lender standards and regulatory guidelines.

Properties that are unoccupied for extended periods have unique risks and insurance requirements. Standard homeowners policies often limit coverage or exclude certain perils when a home is vacant. Specialized vacant home insurance can protect against fire, vandalism, theft, water damage, and liability issues during periods of non-occupancy. In Florida, hurricane exposure, seasonal flooding, and local ordinances may also affect coverage. We guide buyers, realtors, and lenders through the available options to ensure vacant properties are properly insured and meet lender requirements.